★★★★★ Trusted by Michigan Families
Your home is more than a place to live. It represents years of careful choices, personal investment, and the life you have built around it. Standard homeowners policies often fall short when it comes to protecting properties with custom finishes, unique architecture, or higher rebuilding costs. High-value home insurance is designed to close those gaps with broader coverage, higher limits, and personalized service.
A standard homeowners policy is built around average property values and typical construction. When your home includes custom millwork, imported stone, a wine cellar, or a chef-grade kitchen, replacement costs can quickly exceed what a standard policy will pay. High-value home insurance starts where standard coverage stops, with limits, features, and service levels matched to properties that require more.
Every high-value home has its own story. The coverage should reflect that. Here are some of the areas where a specialized policy provides protection that a standard plan typically cannot.
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If rebuilding costs exceed your coverage limit due to material prices or labor shortages, extended replacement cost covers the difference so your home is fully restored.
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Scheduled coverage for paintings, sculptures, rare books, wine collections, and other valuables. Each item is individually appraised and insured at its agreed-upon value.
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Coverage that goes beyond basic water damage to include sewer and drain backup, hidden pipe leaks, and even groundwater seepage that standard policies exclude.
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Liability coverage starting at $1 million or more, with seamless integration into umbrella policies. Covers incidents on your property, staff-related claims, and legal defense costs.
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If your home is uninhabitable after a covered event, your policy covers comparable housing, meals, and related costs for as long as repairs take, with generous limits.
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Coverage for identity fraud recovery expenses, cyber extortion, and unauthorized electronic fund transfers that can affect homeowners with significant financial profiles.
Most carriers consider homes with a replacement cost of $750,000 or more, though some start at $500,000. Qualifying factors also include custom construction, high-end finishes, historical significance, or large acreage. Our team will walk through your property details and help determine whether a high-value policy is the right fit.
Guaranteed replacement cost means the insurer will pay to rebuild your home to its original condition, even if the cost exceeds your policy limit. This protects you from inflation in building materials, labor shortages, and code upgrades that can drive rebuilding costs well above the original estimate.
Yes. High-value home policies can cover primary residences, vacation homes, lake houses, and other secondary properties. Many carriers offer multi-property discounts and can bundle all your homes under one policy for simplified management and consistent coverage.
Scheduling means listing specific high-value items (jewelry, fine art, wine, antiques) on your policy with an appraised value for each. Scheduled items receive broader protection than standard coverage, typically with no deductible and coverage for accidental loss or mysterious disappearance.
Flood and earthquake coverage are generally excluded from homeowners policies, including high-value ones. However, many high-value carriers offer companion flood and earthquake policies or can help coordinate standalone coverage. Our team will review your property location and recommend the right combination.
Premiums for high-value home insurance reflect the broader coverage and higher limits, but they are often more competitive than you might expect. Many carriers reward well-maintained homes, security systems, and bundled policies with meaningful discounts. We shop multiple carriers to find you the best value.
Talk to our team about coverage designed for homes like yours. We will review your current policy, identify gaps, and connect you with carriers that specialize in high-value properties.
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We represent multiple carriers, so we shop the market on your behalf to find the best combination of coverage, service, and value for your specific property.
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Every policy starts with a thorough review of your property, belongings, and risk profile. We build coverage around your home, not around a template.
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When you need to file a claim, our team works alongside you from start to finish. We coordinate with adjusters, track timelines, and push for fair, timely settlements.
Contact us today to get started. Let's make insurance simple, together.
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